Does an array modifier need to be applied after modelling the character?
Yes, Mahesh, you have to apply the array modifier. An array modifier creates illusions of the object that are visible in the Blender viewport, but do not really exist. Since they don't exist, when you go to export them from Blender to the game engine, they will not be exported. In order for them to be exported, they must be applied, which creates the "illusions" into "real" geometry.